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Feature activation

To enable this feature on your app, please contact us.

Bulk payment flow

The bulk payment goes through different steps that are described below :

1. Creation of the payment request - Create a payment request
2. User has a Bridge loading page
3. The user is redirected on the bank for authentication
4. The user select the account on the bank interface
5. An SCA is requested via a device attached to the account
6. Redirecting the user to the successful_callback_url

Create a bulk payment

In order to initiate a bulk payment you will need to provide the necessary details in the body of the endpoint Create a payment request.

Example of the body for a bulk payment :

{
  "callback_url": "https://bridgeapi.io",
  "transactions": [
    {
      "currency": "EUR",
      "label": "label test 1",
      "amount": 1000,
      "beneficiary": {
          "company_name": "Company name" ,
          "iban": "FR0912739000302281214822O48"
      },
      "client_reference": "ABCDE_FG-HI_12345",
      "end_to_end_id": "E2E_TEST-123"
    },
    {
      "currency": "EUR",
      "label": "label test 2",
      "amount": 2000,
      "beneficiary": {
          "company_name": "Company name" ,
          "iban": "FR2012739000407524676274Z96"
      },
      "client_reference": "ABCDE_FG-HI_12345",
      "end_to_end_id": "E2E_TEST-123"
    },
    {
      "currency": "EUR",
      "label": "label test 3",
      "amount": 3000,
      "beneficiary": {
          "company_name": "Company name" ,
          "iban": "FR2714508000403277953994H75"
      },
      "client_reference": "ABCDE_FG-HI_12345",
      "end_to_end_id": "E2E_TEST-123"
    }
  ],
  "user": {
    "first_name": "John",
    "last_name": "Smith",
    "external_reference": "AEF142536-890"
  },
  "provider_id": 421
}

Once you confirmed a payment in the bank interface, if everything went well, you will be redirect to the success callback url you set up in the v2/payment-requests call.

Get bulk payment status

In order to retrieve the status of a bulk payment transaction you will need to make an API call on this endpoint Get a single payment request.

The payment request and the payment transactions will have a status. Regarding the status of a payment request these are the different status :

Please refer to this page for all the different status and if the payment is in RJCT to the status_reason.

For bulk payment you might have another status for payment request that is PART which is a final status. In this case, please check the transactions statuses because it means some of them might be successful and some might be rejected.

Qonto specification

Qonto has a specific flow on bulk payment :

1. Creation of the payment request - Create a payment request
2. User has a Bridge loading page
3. The user is redirected on the bank for authentication
4. The user is redirected to Bridge to select the account
5. Bridge page waiting for confirmation of the SCA that is requested via a device attached to the Qonto account
6. Redirection of the user to the callback_url

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Querying the status of a payment request via a GET simply retrieves the current status stored within the system. It does not initiate any actions that could refresh or update the status in real-time.

Bulk payment tests

You can use the Demo Bank to test the bulk feature in your integration.

The list of available test cases is presented in the section Testing your payment flow. The test identifiers can be used either:

• As a login in the front-end flow: it will apply the same test case to the payment request and for each payment transaction.
• Or as a label in each payment transaction: this will allow you to test different test cases within the same payment request (bulk).